Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$346,227Cash toward the purchase price.
Closing costs + prepaids$13,684Not just lender fees.
Before credits & paid funds$359,911The complete starting cash picture.
Estimated remaining funds due at closing
$359,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$346,227.18
Your down payment$346,227.18
Closing costs + prepaids$13,683.73
Total buyer cash needed$359,910.92
Remaining funds due$359,910.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,161.75
Prepaid interest, first (24 days)$796.98
Fees + prepaids$13,683.73
Your down payment is the seller’s equity. You take over the $178,773 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $359,910.92 is due at closing. Uses and sources reconcile at $538,683.73 each. Not a Closing Disclosure.